Ms Kate Tobin:

As Mr. O'Midheach has already outlined, FBD does offer introductory discounts as part of our normal commercial practices. I suppose that can be considered as dual pricing. In terms of the specific practice of price walking connected to introductory offers, we would look to bring a customer back to the base price in the portfolio but importantly not beyond that over a number of years. That will be under review as we implement measures in response to the regulations. There would be potentially an unwinding of discounts over a short number of years, those being related to new business.

On the Deputy's question about the specific practice of using big data to determine who is more or less likely to renew and charging them more on that basis, it is not something FBD does.